VALOR Act

House Bill

H.R. 7598

119th Congress

VALOR Act

In Committee

Introduced:Feb 17, 2026

Primary Sponsor

Mike Levin

D - CA

Cosponsors

0

Quick Stats

Summary

This bill would require the VA to refund home loan fees paid by veterans who have disability claims pending at the time of their loan closing. Veterans with service-connected disabilities are typically exempt from VA loan funding fees, but those whose claims are still being processed often pay the fee upfront—sometimes thousands of dollars—and must wait for reimbursement after their claim is approved.

Latest Action

Referred to the House Committee on Veterans' Affairs.

Introduced2/17/2026

StatusReferred to the House Committee on Veterans' Affairs.

ChamberHouse

Data from Congress.gov

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Vote Prediction

VALOR Act

This bill would require the VA to refund home loan fees paid by veterans who have disability claims pending at the time of their loan closing. Veterans with service-connected disabilities are typically exempt from VA loan funding fees, but those whose claims a

Community Breakdown

Pass

0%

Fail

0%

0 predictions

This bill would require the VA to refund home loan fees paid by veterans who have disability claims pending at the time of their loan closing. Veterans with service-connected disabilities are typically exempt from VA loan funding fees, but those whose claims are still being processed often pay the fee upfront—sometimes thousands of dollars—and must wait for reimbursement after their claim is approved.

Bill Number: 7598
Introduced: 2/17/2026
Status: Referred to the House Committee on Veterans' Affairs.

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: VALOR Act
Bill Number: 7598
Sponsor: No sponsor
Status: Referred to the House Committee on Veterans' Affairs.
Introduced: 2/17/2026
Summary: This bill would require the VA to refund home loan fees paid by veterans who have disability claims pending at the time of their loan closing. Veterans with service-connected disabilities are typically exempt from VA loan funding fees, but those whose claims are still being processed often pay the f

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

This bill would require the VA to refund home loan fees paid by veterans who have disability claims pending at the time of their loan closing. Veterans with service-connected disabilities are typically exempt from VA loan funding fees, but those whose claims are still being processed often pay the fee upfront—sometimes thousands of dollars—and must wait for reimbursement after their claim is approved.

Last updated: 2/20/2026

Key Points

Main provisions of the bill

Veterans with pending disability claims would receive automatic refunds of VA home loan funding fees, which can range from 1.4% to 3.6% of the loan amount (potentially $3,000-$10,000 on typical homes)
Currently, veterans must pay these fees upfront even if they have service-connected disabilities, then wait months or years for reimbursement after their disability claim is approved
The bill addresses the financial burden on veterans navigating both the home-buying process and the often lengthy VA disability claims system simultaneously
This change would particularly benefit recently separated service members who are purchasing homes while their initial disability evaluations are still in progress

How This Impacts Americans

Potential effects on citizens and communities

This legislation would directly benefit veterans with pending disability claims who are purchasing homes using VA loans, potentially saving them thousands of dollars in upfront costs during an already expensive process. By providing refunds for those awaiting claim decisions, it acknowledges that the VA's claims backlog shouldn't create additional financial strain on disabled veterans. The bill would provide immediate financial relief to veterans who are likely already dealing with service-connected health issues while trying to achieve homeownership.

Policy Areas

No policy areas assigned yet.

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

7598, 119th Congress (2026). "VALOR Act". Source: Voter's Right Platform. https://votersright.org/bills/119-hr-7598

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